Results
First semester 2026
Introduction
Age
3/25
Household members
4/25
Housing situation
5/25
Employment status
6/25
Annual household income
7/25
The combined gross income (before taxes) of all individuals living in the same home, regardless of the relationship between the occupants. This includes wages, salaries, pensions, and government benefits. Numbers in USD.
Monthly savings capacity
8/25
We understand "savings" as the act of setting aside a portion of current income that is not spent immediately, saving it to cover future needs, emergencies, short- or long-term goals, or for making investments. Figures in USD.
Amount of time their security fund can cover their expenses
9/25
Spending time is defined as the result of the sum of all essential expenses for one (1) full month. For example, if the sum of all monthly essential expenses is $1,000 and you have $3,500 in liquid savings, then your safety net is 3.5 months.
Amount in liquid savings (including safety fund)
10/25
Liquid savings are those that can be easily and quickly converted to another asset without a significant loss of value or time. This can include cash in savings accounts, easily accessible investment accounts (excluding retirement accounts), certificates of deposit, and others. Figures in USD.
Products used to deposit savings
11/25
All that apply were selected.
Monthly investment capacity
13/25
The amount of money specifically directed toward investment. Figures in USD.
Money invested per month specifically for retirement
14/25
Monthly amount allocated for investment, specifically aimed at retirement. This is the money they invest with the intention of funding their future life when they stop actively producing. Numbers in USD.
Assets in which they invest
12/25
All that apply were selected.
Retirement investment vehicle
15/25
All that apply were selected.
Amount invested for retirement as of today
16/25
Total amount invested today with the intention of using it in the future when they stop actively producing. Figures in USD.
Total value of your investments
17/25
Total amount of all your short, medium, and long-term investments. Excludes liquid savings. Figures in USD.
Net worth
18/25
Net worth is the difference between all assets (everything you own) minus all liabilities (everything you owe). Basically, it is the actual value that remains after paying off everything owed. Figures in USD.
Types of consumer debt they have
19/25
Consumer debt is a type of loan used to purchase goods and services for personal use that do not generate income, lose value over time, and typically carry an additional financing cost such as interest payments. It does not include mortgages. All that apply were selected.
Total balance across all your consumer debts
20/25
Amounts in USD.
Monthly payment for consumer debt
21/25
Final result of the sum of all monthly payments to credit cards, personal loans, etc. Numbers in USD.
Are you confident in your ability to pay off all your consumer debt over the next 12 months?
22/25
Primary financial goal for the next 6 to 12 months
23/25
Only one goal was chosen per participant.
Biggest impediment to achieving that goal
24/25
Only one impairment was chosen per participant.
Are you confident in your ability to control this and achieve your goal in the next 6 to 12 months?
25/25
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The Hispanic Personal Finance Index™ is an initiative of Endeuda2.com
Privacy Notice: Participation in this index is voluntary. The financial data collected is treated anonymously and in aggregate strictly for informational and statistical purposes, serving as a resource for research. We may analyze insight data for content optimization on Endeuda2. Index participants accept our Privacy Policy and understand that this exercise does not substitute for the professional advice of a certified financial advisor.
METHODOLOGY
Data Collection and Population Sample: The results presented come from a survey conducted among 1,238 people of Hispanic origin, distributed across the United States, Latin America, and Europe. All participants are part of a community focused on education and financial development.
Treatment of Monetary Ranges: To enable mathematical analysis, responses collected in text formats and ranges (for example, "$500 - $1,000") were transformed into numerical values. The exact midpoint of each range was used to calculate aggregations. In cases of open-ended responses (such as "Less than $100" or "More than $1M"), conservative standardized weights were applied to avoid bias in the overall calculation of net worth and liquidity.
Calculation of Proportions in Multiple-Choice Options: In categories that allowed selecting more than one answer (such as "Investment Vehicles," "Savings Instruments," or "Types of Debt"), percentages were calculated using the total number of participants in that segment as the denominator, not the total number of responses given. This allows measuring the actual penetration of each product within the community (for example, what percentage of the total population has credit cards), which is why the sum of the percentages in these sections exceeds 100%.
Segmentation and Dynamic Filters: The data presented are subject to conditional filters. When the report evaluates a specific subgroup (for example, "people living alone" or "people without consumer debt"), the statistical universe is isolated. The percentages and trends of those groups are calculated strictly based on the individuals who meet that condition, ensuring the mathematical purity of each statement.
Identification of Main Trends: To determine majority and minority behaviors, we aggregate all identical responses of a segment and classify them by absolute frequency. Results presented as "the largest group," "the biggest group," among others, mathematically represent the statistical mode of each set.
Visual Approximation and Rounding: The metrics illustrated in the infographics under the format "X out of every 10 people" are visual representations calculated by dividing the exact percentage by 10 and applying standard rounding to the nearest whole number. To preserve absolute transparency of the information, the actual mathematical percentage (with up to one decimal place of precision) is always included in parentheses alongside the visual simplification.
LEGAL NOTICES
Exclusively informational purpose: This report, along with all the data, analysis, and insights it contains, was prepared strictly for informational and educational purposes. Nothing in this document should be construed as financial, legal, tax, or accounting advice, or as a personalized investment recommendation. Endeuda2 does not act as a registered financial advisor or fiduciary.
Nature and reliability of the data: The statistics and conclusions of this index are based entirely on self-reported data provided by participants voluntarily and anonymously. Although logical methods were applied to clean and organize the information, Endeuda2 does not audit, independently verify, or guarantee the accuracy, truthfulness, completeness, or timeliness of the responses provided by users.
Assumption of risk: Personal finances and investment decisions carry inherent risks, including the potential loss of capital. Any action or financial decision that the reader makes based on the trends or information in this report is at their own risk and absolute responsibility. If advice is being sought, it is recommended to consult a certified professional before making important financial decisions.
Privacy and exclusive use of data: The information collected in this study is anonymous and does not contain Personally Identifiable Information (PII). This report is for internal and exclusive use for the community. Raw data is not commercialized, sold, or shared with third parties, sponsors, or external financial institutions.
Limitation of liability: To the maximum extent permitted by law, the authors, creators, and administrators of this initiative (Endeuda2) disclaim any liability for direct, indirect, incidental, consequential, or special damages that may arise from the use, interpretation, or application of the information contained in this document.
Jurisdiction: This legal notice is governed by and construed in accordance with the laws of the United States of America.